Patori is a town in Darbhanga district, Bihar. This article covers the Bihar Gramin Bank, Patori branch and its payment details. An accurate IFSC code matters for electronic fund transfers such as NEFT, RTGS and IMPS. Using the correct IFSC ensures your money reaches the intended branch quickly and avoids delays or failed transfers.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Patori |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100413 |
| Branch Address | Patori, DARBHANGA, 846003, 9297955141 |
| Contact Number | 9297955141 |
| City | DARBHANGA |
| District | DARBHANGA |
| Reason | DARBHANGA |
| Pincode | 846003 |
| State | Bihar |
Merger Update
The Patori branch uses the IFSC code PUNB0MBGB06 under Punjab National Bank (PNB). Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were restructured and their operations consolidated. As a result, old UBGB and DBGB IFSC codes have been revoked. For NEFT/RTGS/IMPS you must use the new IFSC PUNB0MBGB06. Transactions sent to old UBGB/DBGB IFSCs will not be processed.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems.
- First 4 characters — identify the bank name (letters). Example: PUNB = Punjab National Bank.
- 5th character — always 0 (reserved for future use).
- Last 6 characters — identify the specific branch (letters or numbers). Example: MBGB06 is the branch identifier in PUNB0MBGB06.
The IFSC structure: 4 (bank) + 1 (0) + 6 (branch) = 11 characters total.
MICR (Magnetic Ink Character Recognition) is a separate 9-digit code used for cheque clearing. For Patori the MICR is 800811002.
How to Use IFSC Code
- Open your bank’s netbanking app or mobile app and choose “Fund Transfer”.
- Select transfer type: NEFT, RTGS or IMPS. (IMPS is instant 24×7; NEFT and RTGS are also available round-the-clock but check your bank’s cut-off rules.)
- Enter beneficiary name, account number and the IFSC PUNB0MBGB06.
- Enter amount and remark (if required). Verify the beneficiary details shown by your bank before confirming.
- Authenticate the transfer with OTP or transaction password as your bank requires.
- Save the beneficiary for future transfers once you confirm the first successful transfer.
Notes on limits and timing:
- NEFT: no minimum amount. Typically settles in batches or near real-time depending on bank. Now effectively available 24×7.
- RTGS: for high-value transfers. Banks commonly use a lower threshold of ₹2,00,000 but check with your bank for exact limits and charges.
- IMPS: instant settlement, 24×7. Amount limits are set by banks (often up to a few lakhs per day).
Benefits of Knowing the IFSC
- Ensures accurate electronic transfers to the correct branch.
- Reduces failed transfers and reversal delays.
- Required for online forms and tax or payroll credits.
- Helps distinguish between branches when banks share similar names.
- Makes setting up beneficiaries faster and safer.
Contact
Branch phone no: 9297955141
Branch Address: Patori, DARBHANGA, 846003
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the correct IFSC for all transactions to Patori branch?
A: Yes. Use PUNB0MBGB06 for NEFT, RTGS and IMPS to the Bihar Gramin Bank, Patori branch. Old UBGB/DBGB IFSCs are revoked.
Q: Where can I find the IFSC on a cheque or bank document?
A: IFSC is usually printed on the cheque leaf and on account statements or passbooks. Banks also show IFSC in branch details on their website and in netbanking beneficiary setup screens.
Q: What if I enter a wrong IFSC?
A: If the IFSC does not match any live branch, the transfer will usually fail. If it matches a different branch, funds could reach the wrong account. Contact your bank immediately to raise a recall if you suspect an error.
Q: How does IFSC differ from MICR?
A: IFSC is for electronic transfers (NEFT/RTGS/IMPS). MICR is a 9-digit code printed with magnetic ink for cheque clearing. Both identify branches but serve different systems.
Q: After the merger, are old UBGB or DBGB account numbers still valid?
A: Account numbers usually remain the same, but the IFSC for electronic transfers has changed to the new code under PNB. Always confirm the IFSC with the branch before transferring funds.
Kritti Kumari is a banker and MBA graduate who writes about banking, finance, and customer-friendly services. She simplifies complex financial products into easy guides, helping readers understand Bihar Gramin Bank’s offerings and make smarter money decisions.